SrI: SrImathE SatakOpAya nama: SrImathE rAmAnujAya nama: SrImadh varavaramunayE nama:
When asked “In such case, what is the cause for loss and gain?” piLLai lOkAchAryar mercifully explains.
izhavukkadi karmam; pERRukkadi krupai.
Reason for loss is [one’s] karma; reason for gain is [bhagavAn’s] mercy.
That is – the reason to have lost bhagavAn since time immemorial is AthmA’s karma which has been accumulated since time immemorial as said in thiruvAimozhi 1.4.2 “mun seydha muzhu vinai” (big sins which were committed previously); the reason for such AthmA, who has lost him forever, to attain him is bhagavAn’s krupai which will flow breaching both banks of the river [i.e. the karma of the AthmA and the independence of bhagavAn] as said in 5.1.1 “vidhi vAykkinRu kAppAr Ar” (who can stop when bhagavAn’s mercy starts flowing?)
adiyen sarathy ramanuja dasan
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